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Featured Accounts

Wright-Patt Credit Union

Popular Accounts at this Credit Union

1.53%5-year CD60-71 Month CD
1.68%6+ Year CD72 Month CD
1.38%4-year CD48-59 Month CD

Overview / Commentary
3560 Pentagon Blvd
Beavercreek, OH 45431

Wright-Patt Credit Union is headquartered in Beavercreek and is the largest credit union in the state of Ohio. It is also the 47th largest credit union in the nation. It was established in 1932 and as of June of 2016, it had grown to 676 employees and 324,496 members at 28 locations. Wright-Patt Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in Wright-Patt Credit Union is open to those who live, work, attend school or worship in Montgomery, Butler, Greene, Champaign, Clinton, Clark, Franklin, Miami, Hamilton, or Warren counties in Ohio. Membership is also open to civilian employees and military personnel of Wright-Patterson Air Force Base, military personnel living within a 14 county area around Fairborn, employees, students, and faculty of Wright State University and members of the WSU Alumni Association.
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Reviews (8)

Love Wpcu

Posted by: sigma | May 11, 2016

I've had an account with Wright-Patt since high school, I love everything they do for their customers and for the area around them. I don't usually wait in lines long when I go to the actual branch, although I do most of my banking online or via the app. Any issues I've had were resolved quickly and didn't cause any major issues in my life. I plan to keep banking here as long as I can. With a potential move coming, I'm not sure if there will be any branches near me anymore. I hope the next credit union I find is a great as this one. As you can tell, I'm really happy with everything Wright Patt has done for me. When I lock myself out of my account, the service reps are always helpful and quick. I've actually suggested this bank to several friends and they are happy with the service as well.

Great Products and Service. Beware long lines during peak times .

I've had nothing but positive interactions with Wright-Patt Credit Union. The app takes care of most of my needs, but there are a number of locations that are very convenient and are open on the Saturday. My favorite feature is the 3% savings rate (up to $500) -- that rate is unheard of for a standard savings account. Easy bill-pay, and ATMs that accept cash - I rarely need to use a teller. That is a good thing since the institution is popular and the line can get long. The first checks were sent at no charge, and they should last a long time. The fees are clearly laid out and was reviewed thoroughly upon opening the account. They offer seminars and community education classes about finances which is great to get involved with. I highly recommend this company and for both the products and service to the area.

Model Credit Union

WPCU has been my bank for over five years and they've always had excellent customer service. I've had to call about loss of card, non-receipt of items paid for and account information; every situation I've encountered has been resolved in my favor. For example, the security at WPCU is on-point because as soon as I ordered two-thousand dollars worth of computer parts for myself; I received a phone call from a live person within minutes asking if my check card had been stolen and after answering several security questions I was free to use my account again. The website has always been online whenever I've wanted to check my balance. Wright Patt gives all it's members a percentage of the profits it makes each year and deposits it directly into their savings account. Overall, it's been my favorite credit union experience so far.

Wright Patt Credit Union is a Great Bank!

Posted by: TylerL | Jan 10, 2015

I have been a member of Wright Patt Credit Union (WPCU) for over a year now and my experiences with them has been great! Their customer service is great and they are always willing to talk about your accounts and help you find the right loan/credit card for you. They have many locations in the greater Dayton, Ohio region and have very convenient hours. I work daily and while most banks are closed by the time I am off work, WPCU is open until 7PM! They also have an excellent mobile app! I can use the app to deposit a check by taking a picture of it! It is the friendly service and great banking practices that keep me around and will keep me with WPCU!

My first and last expierence with a Credit Union

Posted by: Andy2014 | Sep 2, 2014

This is my first experience with a credit union and also my last. It's my last because I love this Credit Union. You would have to actually pay me to even consider leaving. They are local, have several locations in and around my city. They care about our community and take an active approach in helping their customers. Someone of my income bracket might have a hard time maintaining an open account in a large bank. Here, they don't make you have a daily balance, they don't force you to have direct deposit. They have several different loan types, one being their signature "Stretch Pay", which helps build your credit and can help in a financial time of need.

My only gripe with this bank is their mobile platform is not available on several types of platforms for mobile. If you don't have an iPhone or android you are kind of stuck out of the loop.

Low-quality Customer Service

Wright-Patt Credit Union has a few great things going for it: It has a great rate of 3% interest on savings accounts for the first $500. It also has a very good, yet simplistic layout on its web banking interface. It is full-color and enjoyable to use. However, customer service can be improved upon a lot. No one is rude from this credit union, but during phone calls you can easily be on hold eight minutes just to be put through the right person to speak to for your specific banking concern. In addition, waiting time in the bank's line often takes too long. This credit union needs more employees. It just doesn't seem efficient in this way.


Wright-Patt Credit Union is a great place to bank if you are oriented towards saving money. They have a program that pays about 3% interest a year (variable) on the first $500 in your savings account. They also offer a low-interest credit card. My one complaint about them is that it is sometimes hard to get access to a rep over the phone. When I tried calling about getting a VA loan, there was no one to answer the phone. I wanted a live rep but was left to an answering machine. Wright-Patt has a great array of banking products. It could even be your one-stop shop for investing and insurance. I, however, do my banking there because credit unions rarely get taken over by conglomorates, and it really feels like a hometown bank.

Decent Credit Union

I was pleased to sign up for savings account with Wright-Patt Credit Union because they have a program that gives a high-interest return on the first $500 of savings deposited in the account, and maintained. I also signed up for a service that deposits the change on a store purchase into another savings account. I have accumulated around $40 in this account just over the past three months. It is nice to see the small change add up. The only feature I do not like on these accounts is the online prompts to add mobile banking to my account. I cannot turn the prompt off. When I go to the credit union with a paper check I like that I can also just hand the teller my debit card to make my deposit. I don't have to waste time filling out a slip.


Health Grade Components

NCUA #66328
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD1.42%
Return on Equity - YTD11.73%
Annual Interest Income$56.7MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$3.31B$3.12B
LoansQ2 2016vs Q2 2015$2.39B$2.25B
DepositsQ2 2016vs Q2 2015$2.77B$2.59B
Equity CapitalQ2 2016vs Q2 2015$397.1MM$357.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$18.8MM$16.7MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$13.8MM$12.2MM
Real Estate OwnedQ2 2016vs Q2 2015$1.0MM$542.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Wright-Patt Credit Union Savings Account Rates

3.00%*-$500True Saver
OTHER TIERS: 0.08% $500 - $1k
3.00%*-$500HSA Enhanced
OTHER TIERS: 0.80% $500 - $1k
3.00%*-$500Business Health Savings Account - Enhanced
OTHER TIERS: 0.80% $500+
0.80%--HSA Basic
0.80%--Business Health Savings Account - Basic
0.08%--Easy Saver Share
0.08%--Club Accounts
0.08%--Secondary Share
0.08%--Business Share Account

Wright-Patt Credit Union Money Market Rates

0.15%*$50k*-Personal Capital Money Market
OTHER TIERS: 0.08% $100 - $2,500 | 0.12% $2,500 - $50k
0.15%*$50k*-Business Money Market Savings Account
OTHER TIERS: 0.08% $100 - $2,500 | 0.12% $2,500 - $50k

Wright-Patt Credit Union Checking Account Rates

0.08%*$25k*-Checking with Dividends
OTHER TIERS: 0.04% Up to $25k
0.08%*$25k*-Business Plus/Premium Checking
OTHER TIERS: 0.04% Up to $25k
0.04%$1k-Select Checking

Wright-Patt Credit Union CD Rates

1.68%*$100k*-72 Month CD
OTHER TIERS: 1.58% $500 - $100k
1.68%*$100k*-Business 72 Month CD
OTHER TIERS: 1.58% $500 - $100k
1.53%*$100k*-60-71 Month CD
OTHER TIERS: 1.43% $500 - $100k
1.53%*$100k*-Business 60 - 71 Month CD
OTHER TIERS: 1.43% $500 - $100k
1.38%*$100k*-48-59 Month CD
OTHER TIERS: 1.28% $500 - $100k
1.38%*$100k*-Business 48 - 59 Month CD
OTHER TIERS: 1.28% $500 - $100k
1.24%*$100k*-36-47 Month CD
OTHER TIERS: 1.14% $500 - $100k
1.24%*$100k*-Business 36 - 47 Month CD
OTHER TIERS: 1.14% $500 - $100k
1.10%*$100k*-24-35 Month CD
OTHER TIERS: 0.99% $500 - $100k
1.10%*$100k*-Business 24 - 35 Month CD
OTHER TIERS: 0.99% $500 - $100k
1.00%*$100k*-18-23 Month CD
OTHER TIERS: 0.90% $500 - $100k
1.00%*$100k*-Business 18 - 23 Month CD
OTHER TIERS: 0.90% $500 - $100k
0.88%*$100k*-12-17 Month CD
OTHER TIERS: 0.78% $500 - $100k
0.88%*$100k*-Business 12 - 17 Month CD
OTHER TIERS: 0.78% $500 - $100k
0.69%*$100k*-6-11 Month CD
OTHER TIERS: 0.59% $500 - $100k
0.69%*$100k*-Business 6 - 11 Month CD
OTHER TIERS: 0.59% $500 - $100k

Wright-Patt Credit Union IRA Rates

1.68%*$100k*-72 Month IRA
OTHER TIERS: 1.58% $500 - $100k
1.53%*$100k*-60-71 Month IRA
OTHER TIERS: 1.43% $500 - $100k
1.38%*$100k*-48-59 Month IRA
OTHER TIERS: 1.28% $500 - $100k
1.24%*$100k*-36-47 Month IRA
OTHER TIERS: 1.14% $500 - $100k
1.10%*$100k*-24-35 Month IRA
OTHER TIERS: 0.99% $500 - $100k
1.00%*$100k*-18-23 Month IRA
OTHER TIERS: 0.90% $500 - $100k
1.00%*$100k*-18 Month Fixed Add-On IRA
OTHER TIERS: 0.90% $100 - $100k
0.88%*$100k*-12-17 Month IRA
OTHER TIERS: 0.78% $500 - $100k
0.80%*$100k*-18 Month Variable Add-On IRA
OTHER TIERS: 0.70% $100 - $100k
0.69%*$100k*-6-11 Month IRA
OTHER TIERS: 0.59% $500 - $100k

Wright-Patt Credit Union has 28 locations. Click to view all Wright-Patt Credit Union locations.